The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,434
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,163
−HK$741/mo
Today · 4.125%
HK$24,904
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,808/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$709/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$28,928
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,121
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,996
−HK$889/mo
Today · 4.125%
HK$29,885
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,770/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,285
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$851/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,713
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,808
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$1,037/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,478
−HK$993/mo
Today · 4.125%
HK$38,471
baseline
▲ 0.50% · 4.625%
HK$40,499
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,942/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,182
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,494
−HK$1,333/mo
Today · 4.125%
HK$44,827
baseline
▲ 0.50% · 4.625%
HK$47,555
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,654/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,927
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,186
−HK$1,276/mo
Today · 4.125%
HK$49,462
baseline
▲ 0.50% · 4.625%
HK$52,070
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,924/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,391 · Scale 2, in force from 26 Feb 2026)